Find the car you want. We’ll help make the financing make sense.
The Deal
PDCU’s 2026 Auto Loan Special offers rates as low as 3.74% APR* for up to 36 months on new and used vehicles—including older cars. Current members approved for an auto loan can also get no payments for 90 days.
Auto Loan Rates as Low as 3.74% APR*
- Rates as low as 3.74% APR* for up to 36 months
- Terms and rates up to 96 months
- Eligible for newer vehicles (5 years old or newer) and used vehicles (older than 5 years)
- No payments for 90 days for current PDCU members approved for an auto loan
Auto loan rates for eligible newer vehicles (5 years old or newer) and used vehicles (older than 5 years)
Auto loan rates for cars, trucks, SUVs, & vans five years old or newer:
|
Term (Months) |
≤36 |
37-48 |
49-60 |
61-72 |
73-84 |
96 |
|---|---|---|---|---|---|---|
|
APR* as low as¹ |
3.74% | 4.74% | 4.74% | 4.74% | 5.24% | 5.74% |
|
Rates Effective as of: |
||||||
*APR = Annual Percentage Rate. Membership and eligibility requirements apply, with approval subject to application, credit, and vehicle considerations.
No Payments for 90 Days
Sometimes the timing is the hardest part, down payment, registration, insurance, maybe a few upgrades (floor mats are basically required by tradition).
With this special, approved current members can defer their first payment for 90 days, giving you breathing room while you settle into your new ride and new budget.
Tip: If you’d rather start paying sooner, you can, paying early is always allowed.
Newer vs. Older Vehicles
Whether you’re going with something newer or something with a little more road wisdom, we’ll help you finance it the right way.
- Vehicles 5 years old or newer: Great for newer purchases and may qualify for higher financing options.
- Vehicles older than 5 years: Still eligible for financing, just expect loan-to-value (LTV) and rate qualifications to be based on the vehicle’s age and value.
Make the Deal Stronger with Pre-Approval
Want an easier car-buying experience? Get pre-approved first. It helps you:
- Shop with a clear budget
- Move faster at the dealership (or in a private sale)
- Focus on the right vehicle, not the “what if” math
Get Pre-Approved / Apply Online
Quick FAQs
No—rates are based on creditworthiness, term, and vehicle factors. “As low as” means well-qualified borrowers may be eligible for the lowest APR.
Not necessarily. Your first payment may be deferred, but interest may still accrue during the deferral period depending on your loan terms.
Ask about setting up AutoPay and any available discounts. The lowest advertised rate may include an AutoPay-related discount.
Ready to Drive?
If you’re planning to buy soon, don’t wait until you’re sitting in the dealership finance office (they love that move, because it works). Get started with PDCU today.
John Scharff is the Digital Marketing Lead at People Driven Credit Union, where he helps create clear, practical financial content for members and the communities PDCU serves. He focuses on making financial topics easier to understand, from loans and savings accounts to digital banking, fraud prevention, and everyday money management.
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